Why Simplicity?
Investing with purpose
We invest so members profit, and help with some of the biggest issues facing Aotearoa.
Low, low fees
As a non-profit, we aim for the lowest possible fees.
Ethically invested
All our funds are ethically invested. Its the right thing to do.
Paying it forward
15% of our fees go to great Kiwi charities. Over $6 million donated so far %)
Our products
KiwiSaver
Switch in minutes. Grab your IRD number and driver’s licence or passport. We’ll do the rest. Simple %)
Investment Funds
Same low fees as our KiwiSaver funds, with full access to your money at any time. Sign up in minutes.
First Home Loans
Our 6.40% floating rate (with no early repayment fees) means our members can get out of debt faster.
How we invest for a future better Aotearoa.
Most of the money we manage is invested passively in local and global financial markets. And we believe that our local knowledge and long term focus allows us to make members money and help solve some the biggest problems facing Aotearoa.
Build to Rent Homes
Simplicity Living builds and rents quality homes. We're aiming for 10,000 nationwide.
First Home Mortgages
We provide loans to members buying their first home across NZ, with a low, low floating rate.
Community Housing
We invest in community housing bonds, so more Kiwis can get the homes they deserve.
Homegrown start-ups
Via Icehouse Ventures, we’re invested in over 60 start-up companies. It’s a chance for our members to benefit from Kiwi success stories.
Private / Family Companies
We invest in successful privately owned Kiwi companies. Our members profit and the companies benefit from a patient Kiwi shareholder.
Listed Shares and Bonds
We invest in New Zealand's largest listed companies and government / local authority bonds.
What our members say
We have 147,355 members for a reason, we love helping them.
It is important to me to use what money I have to support potential social justice projects. Not only has Simplicity achieved this, they have done it and helped my savings grow quite significantly. What's not to love! I am also impressed by their clear and frequent communication and the quality of their web based info. I love their transparency and feel in control of my money.
Jan Flinn
Simplicity’s message resonated with me. A simple approach, focusing on using passively managed funds and ethical investing, kiwi owned and operated and with low fees. What's not to love and the returns consistently speak for themselves. It's great to be able to support a company doing the right thing and doing it well!
John O'Hara
I have loved being a part of Simplicity from the minute I joined. What is better than kiwis helping kiwis? Feel especially proud when details of the donations are released (such as the recent flood responses). Kia kaha Simplicity!
Paul Jamieson
Inside our member site
Forecasting Tools
See how different fund types and contributions will impact your projected returns.
Linked Accounts
One central login can give you access to your and your family's accounts.
Total Transparancy
A complete breakdown of every investment, contribution, fee, tax and return, and all returns updated daily.
Easy Switching
Change the funds you're invested in online, at no charge.
Useful stuff
Frequently asked questions
Answers to all our members' most common questions.
Tools and calculators
Understand the impact of your saving and investment decisions.
Learning centre
Checkout our classrooms or sign up your workplace for a talk.
News & media
All our latest news and views.
Minutes to join
Grab your IRD number and driver licence or passport, and fill in the form. We’ll do everything else %)